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Keith discusses seven ways to get a lower mortgage rate, emphasizing the historical impact of the 1940s GI Bill on homeownership and wealth creation.  Caeli Ridge, founder of Ridge Lending Group, digs into smart tactics like adjustable rate mortgages, DSCR loans, and down payment options, plus insider tips on boosting your creditworthiness, timing your rate lock, and planning ahead so you can maximize your returns.  They also explore trends like 50-year mortgages and portable mortgages, and the benefits of FHA and VA loans for first-time buyers.  Resources: Want expert guidance on your next real estate investment or mortgage? Reach out to Ridge Lending Group for personalized support and a full range of loan options—whether you're a first-time buyer or seasoned investor. Visit ridgelendinggroup.com or call 855-74-RIDGE to take your next step! Episode Page: GetRichEducation.com/582 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com or text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, seven ways you can get a lower mortgage interest rate. We'll break them down loan types available to you that you never heard of, and learn how the 1940s GI Bill shaped the mortgage that you get today on get rich education   Speaker 1  0:22   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Corey Coates  1:07   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education. You Keith,   Keith Weinhold  1:23   welcome to GRE from the Romanian Black Sea to the Egyptian Red Sea and across 188 nations worldwide. I'm Keith Weinhold, and this is the indefatigable get rich education before we discuss the seven ways that you can get a lower mortgage rate and more in the 1940s before my dad was born, the GI Bill gave veterans returning from World War Two access to cheap home loans, and that single policy decision might have done more to shape the modern American Housing landscape than Anything else in the last 100 years. Think about it, millions of young men, almost kids, really had just spent the better part of their early adulthood in Europe or the Pacific. They came home, married their sweethearts, started families, and suddenly America had this booming demand for housing, but demand alone doesn't build homes. You also need money. You need access to credit, and that's where the GI Bill stepped in. It didn't just thank returning service members for their sacrifice. It handed them something way more powerful, the ability to buy a home with little money down a low interest rate and underwriting standards that would frankly look like a fantasy today, that access to credit sparked one of the biggest housing booms in American history. You had these entire suburbs that sprang up overnight, Levittown in New York, Lakewood in California. These were master planned communities, and they really became a blueprint for Post War America. We had the booming 50s, and this had a lot to do with it. Here's the part that most people don't understand. This wasn't just about housing. This was about wealth creation, because for better or worse, home ownership has been the primary wealth building vehicle for the American middle class these past 100 years, when you give millions of people a subsidized path into property ownership, you're not just giving them a roof. You're giving them equity appreciation, leverage, tax benefits. You're giving them the engine, this flywheel that spins up generational wealth in a lot of ways. The GI Bill is the earliest institutional example of what I at least tell you here on the show, real estate pays five ways. Now they didn't call it that in 1947 but that's exactly what it was. Veterans earned appreciation as suburbs grew. They had amortization working for them, they collected tax advantages. Inflation slowly eroded their fixed rate mortgage balances too. And here's the thing, these weren't even speculative investments. They were homes that they lived in. Now, of course, the GI bill wasn't perfect. It expanded opportunity for millions of people, but it excluded a lot of people too. Lenders and local governments often blocked black veterans and other minorities from accessing the same benefits. That's a whole story unto itself, but the takeaway for today is, when you combine demographic momentum with favorable financing, you can remake a nation, and that's why housing policy still matters today, which we'll get. Two shortly, when you change access to credit or just tweak it, you change the trajectory of families and markets for generations, and the GI Bill proved that. So when we talk about interest rates, affordability, supply shortages, or any of the high frequency housing data that we cover here, remember that the stories aren't just about numbers. They really are about people. They're about giving ordinary Americans the chance to build wealth the same way that those World War Two veterans did through ownership, stability and the quiet compound leverage, not compound interest. Compound leverage that real estate delivers over time.    Keith Weinhold  5:49   I'm bringing you today's show from, I suppose, a somewhat exotic location. I am inside Caesar's Palace, which is right near the very middle of the famed Las Vegas Strip, that's where I'm at. The hotel staff is always accommodative of the show setup. This might seem a little strange to you, because I'm not a gambler. The reason I'm here is that my brother lives 25 minutes away, and I've been with him during Thanksgiving. Next week, I'll bring you the show from Buffalo, New York, and then two weeks from now, I have something heart warming to tell you about that, and it is a real estate story. I'll be broadcasting the show from upstate Pennsylvania. I'll be there to visit my parents. My brother's also coming in from Nevada to be there. That's where the four of us, mom, dad, my brother and I will sit around the same dining room table in the same kitchen of the same home that my parents have lived in since the 1970s nothing has changed, and all four of us know our spots at the table. And actually, it's not even called the dining room table. It is the supper table, as my parents call it so, from flashy Caesar's Palace today to Buffalo and then to Appalachian simplicity in Pennsylvania, the stability and continuity of my parents living in the same home and four wine holds sitting around the table during the holidays, it is so rare. I imagine less than one or 2% of people can do this. I'm just profoundly grateful and proud of Kurt and Penny Weinhold for being the best, most stable parents I could have asked for. It's almost too much to ask, and if you don't have that in your life. Ah, you can do something about that. You can provide the same decency and stability for your children.    Keith Weinhold  7:50   Let's talk about seven proven ways you can get a lower mortgage rate with this week's terrific guest. Though, we'll focus on investment properties. A lot of this applies to primary residences as well.   Keith Weinhold  8:07   We are joined by the founder of the lender that's created more financial freedom for real estate investors than any other mortgage originator in the nation, the eponymous Ridge lending group. And though that sounds impressive, my gosh, she didn't even need that introduction for you the listener, because she's one of the most recurrent guests in show history. Welcome back to GRE Caeli Ridge,   Caeli Ridge  8:30   I am delighted to be here as always, Keith, thank you for your support and acknowledgement. I love what you do, and I'm hoping that I can bring more value today to your listeners in what it is that we do, educating the masses, right?   Keith Weinhold  8:42   You've been doing that here for about 10 years. And yes, we're talking about a woman with a reputation for writing emails in all caps, yet still maintains a great relationship with everybody. I mean, congrats, shaile. I couldn't possibly pull that off myself.   Caeli Ridge  8:58   Thank you, Keith. And you know, I'm going to stay by my all caps, man, it's a speed thing. It all boils down to the number of seconds in the day that I can just move quickly through an email. Yeah, I love my all caps.   Keith Weinhold  9:09   Apparently recipients are still replying, well, you can get a lower mortgage rate in at least seven ways. You can get an adjustable rate mortgage, do a midweek lock in, negotiate seller credits. Have a high credit score. Do a two one buy now, which is kind of old school, but some home builders are using it boost your DTI or buy now, not later. Those are some of the strategies for lowering your mortgage rate. What are your thoughts with regard to that?   Caeli Ridge  9:39   I think all of those are viable. I would just say on the adjust for a mortgage. The pushback I would give there is, is that for residential property, specifically, single family, up to four units, we are not finding that spread between the arm and a 30 year fix. We've been the industry as a whole, secondary specifically been on the inverted yield. Now this gets a little tough. Nickel, and I won't go down that rabbit hole, but 08, 09, the housing and lending crash created an environment within secondary markets where an inverted yield has made a 30 year fixed mortgage more favorable in the rate department. Now that's not always going to be the case. I am a huge fan of the adjustable, but what would work right now is an adjustable with the all in one not to take too much time on that topic, but that would be an adjust rate mortgage that I think would save interest or reduce the rate of which interest is accruing,   Keith Weinhold  10:30   the all in one loan, which we discussed extensively back at the beginning of this year here on the show. Long term, though, I have seen adjustable rate mortgages work for a lot of people, because really, the compelling proposition of the arm is that it guarantees that you get a lower rate in the near term, and yet there's only a chance that you're going to have a higher rate in the long term   Caeli Ridge  10:53   and further. Let's I mean, let's dissect that a little bit. I am a huge proponent. I love an adjustable rate mortgage when the arm is pricing a half or a full percentage point plus over a fixed especially for non owner occupied and the reason for that is, and this is statistically speaking, feel free to look this up, guys, the average shelf life of a mortgage for an investment property is about five years. Great point, right? And we know that if that's the case, right, we're refinancing to harvest equity. We're refinancing maybe to reduce an interest rate from where the market was before, et cetera, et cetera. So that would be the first thing I would say. And then also remember, you guys the first 10 years of an amortized mortgage, 30 year fixed, amortized mortgage, how much of that payment is going to the principal? Because people will often push back by saying, well, either an interest only, or an adjustable and what happens if it changes or it goes up? Most of your payment is going to the interest anyway, and that reset to harvest equity. Borrowed funds are non taxable. We always say that, right? I think it's fully justified. So I love an arm, I just don't know, in comparison to a 30 year fixed today, like a five year ARM versus a 30 year fixed we are in a place that it makes sense, but normally, to your point, absolutely. Fan   Keith Weinhold  12:06   that spread needs to widen for the arm to make more sense. What about doing a mid week rate lock in? Is that a thing?    Caeli Ridge  12:13   Yeah. And you know, I don't have any empirical evidence here. Okay, I don't have any data points that actually prove this, except for 25 years in the business and locking loans every day of my life. There's something about a Monday and a Friday. And I have some conspiracy theories. I don't know that. I it's necessary to share them here, but midweek locks tend to be more favorable in both points and interest rate than you'll find on a Friday and a Monday. I think largely it has to do with, you know, the stock exchanges shutting down for the weekend, right? You got a Friday, you got two days in between. You got foreign markets, and all the things that can explode and happen during that amount of time. So I think they hedge a little bit. So on Friday, going into the weekend, I think that there's something about that and why interest rates are a little less favorable. And then Monday, of course, coming off the weekend, similarly, maybe there's some truth to that too.   Keith Weinhold  13:02   Now, negotiating seller credits has really been a trend to help with affordability. Tell us about specifically what you're seeing there, what's common.   Caeli Ridge  13:11   So we're talking to investors. I can tell you that the loan products you guys are going to have access to are going to cap you, okay, you're going to cap at, per guideline, 2% of the purchase price. Okay, remember that your points that you're paying when you get into locking an interest rate are going to be calculated on the loan size, all right. So the first thing to know is seller paid closing costs, maximum is going to be 2% per underwriting guidelines. That 2% is based on your purchase price. Anything that you're paying points for is going to be on the loan balance, the loan size, so there's going to be a little extra there for you that can contribute or can pay for some other closing costs, right, depending on the numbers. Now, if you're smart enough, or lucky enough, or whatever, the market is viable enough that you can negotiate more than 2% from the seller to pay towards closing costs, you're going to be limited on what you can do on the loan side. But let's say that you go and you've negotiated 4% seller will pay 4% towards your closing costs. Then in that case, you can reduce, you got the two points that you're allowed per guideline. And then you can reduce the purchase price by the difference you don't want to leave that money on the table.   Keith Weinhold  14:15   That's how it's done. And then there's just simply having a higher credit score. What's the highest credit score that really helps you get the lowest mortgage rate for both primary residences and non owner occupied properties. Loan product   Caeli Ridge  14:29   type dependent. But I would say overall, 760 and above is kind of that threshold. There are products that go 780 maybe even on the rare occasion, 800 and above. If I had to pick a number as the absolute pinnacle, I'm going to go 780    Keith Weinhold  14:41   All right, so having a credit score above those thresholds really doesn't help get you a lower interest rate. It's really just a little flex that you've got an 811, credit score, or whatever it is. Now the two, one buy down. That's something that we used to see long ago. A few home builders are bringing it back. And what that does it allow? Homebuyers to pay a lower interest rate for the first two years with the seller covering the difference, and that allows the seller to get their price. They don't have to lower the price of the home at all. But the two one buy down, and you see that written, two, one that has been employed more recently. Tell us about that.    Caeli Ridge  15:18   Well, the builders are struggling in some cases, right? The affordability buzzword is all over the place. So they've had to get creative and find ways in which they can move their inventory. So I think they've done a good job at kind of shaving off some of their margins to satisfy or improve the terms for the consumer. So I like the two. One, if you can get it   Keith Weinhold  15:37   now, one can boost their DTI as well their debt to income ratio and Taylor. When we've talked about that before, we've usually talked about reducing your debts in order to improve your DTI. However, a lot of people don't think about the fact that, oh, well, you can increase your income that lowers your DTI to help you qualify. So tell us what is the max DTI that you can have   Caeli Ridge  16:00   maximum debt to income ratio, in most cases on a full dock loan is going to be 50% now, depending on the type of income that you earn or that you've demonstrated, how you calculate that can get a little bit tricky. But if you're just a straight w2 wage earner, we don't have, you know, commissions or bonuses or anything that we consider variable income, then you just take your gross income times 50% whatever that number is, all of your liabilities on the credit report, we do not count ordinary living expenses like food and gas and utilities and cell phone bills. It's the minimum payments on the credit report. As long as whatever that add up is fits within that 50% you're good to go.    Keith Weinhold  16:37   Now, when it comes to improving our DTI to get a lower mortgage rate, I tend to think it's easier to knock out some debts to improve your DTI. But what about the other side of it? What about increasing your income to improve your DTI, lower your mortgage rate and qualify? Can you talk about some of the strategies for increasing your income with respect to DTI?    Caeli Ridge  17:02   Absolutely. And the biggest one, I think that we probably want to focus on most is going to be on a schedule E, right? That's the one that you're going to have more control over. So when we talk about rental income and how we might be able to boost that first, it might be important to share that there are two ways in underwriting that we will calculate or quantify rental income. The first way is called the acquisition year formula. I'll give you that in just a second. It's very easy, but the way I think we focus on here, because acquisition year is going to be what it is, you're going to have very little ability to manipulate or change that once our rental properties fall on our tax return, specifically the Schedule E of a federal tax return, you as the taxpayer or the borrower are going to have some access to maximize or increase the income, or, let's actually get a little bit more granular there to maximize the gain or minimize the loss, by means of depreciation, maybe a cost seg, maybe we make sure that one time, extraordinary expenses are demonstrated on the tax return in the appropriate way so that underwriting can add those things back. So I know that this sounds technical, but the scheduling is the way that I would say is the easiest for an investor to maximize income, reduce debt to income ratio. And I will close by saying that ridge lending, I think one of our most valued value adds is the ability to help our clients look at their draft tax returns on an annual basis and present them with, Hey, listen, Mr. Jones, if you file this way, this draft tax return, if it files this way, this is what it means to your debt to income ratio. Here's my advice, right? We go into a lot of depth there with our clients.   Keith Weinhold  18:39   That is a smart, long term planning piece that most mortgage companies are not going to give you. They're not going to be forward looking, looking out for your next three years of growing your income property portfolio. And shortly, we'll talk about a way for you to qualify loans where you don't have to show tax returns or W twos or pay stubs. But while we're talking about how to get a lower mortgage rate and some creative ways to do that, I brought up, buy now, not later. And what do I mean by that? What I mean is say, properties appreciate even 3% over time. Buying now, I mean that is going to net you more equity if you buy now rather than waiting, than it would in the savings from a rate drop, when you look at the appreciation run up, however, if rates go up, then you get both the lower price and the lower rate by buying now, not later.   Caeli Ridge  19:32   And I would add to that, we have to remember that in addition to a very modest 3% in the home appreciation, we should be appreciating our rents at even a modest 2% a year, right? Depending on where you are, et cetera. I know that there's exceptions to the rule. And then finally, we got to add in that tax benefit, what you're going to get in your deductions, et cetera, et cetera.   Keith Weinhold  19:51   Yeah, great point. Well, I brought up seven ways that you can get a lower mortgage rate. Can you share a few more with us? Some common ones? Because I know. That almost everyone that calls in there wants to inquire about mortgage rate as well.    Caeli Ridge  20:03   Everybody wants, yep, everybody wants to talk about the rate, despite my vervet opposition to say, do the math. Do the math. Do the math. You know, the easiest one there would be buying down the rate. I'm going to try and formulate an example. Let's say you've got a really high wage earner and in the thick of their earning years, and they're trying to prepare for retirement down the road. It's a longer term burn. They desperately need tax deductions, and the deal that they're looking at, yeah, it's okay, but they want some extra expenses on the Schedule E, maybe they buy the rate down by three even 4% because points on an investment loan transaction are tax deductible, so that might be something, and they obviously benefit from the lower interest rate. Now I may push back on this, and I think again, I know I sound like a broken record here, but we really need to do the math. What are we getting versus what are we giving up to get a 6% or five and a half percent interest rate? What does that mean in real, tangible cost, and what's that? Break even? It's actually a fairly simple calculation. When you just divide the difference in what you're getting versus what you're paying for, and that'll give you the number of months that it takes to recapture the incentive versus the expense. But that would be the easiest one. Keith, I would say buying down points, using paying additional points to get that lower interest rate,   Keith Weinhold  21:20   buying down your rate. It could feel good in the short term, but it's often not the best long term or even intermediate term move when you do the math, as you always like to say, well, you the listener here, you know that you can qualify for mortgage loans, for rental properties without needing a w2 without needing a pay stub and without even needing to show tax returns, because you need all those things for a conventional loan, but for a DSCR loan, debt service coverage ratio, you don't. So talk to us about the pros and cons of a DSCR loan versus a conventional   Caeli Ridge  21:53   loan. Okay? And I've got a hook here too, because I think the listeners are gonna be very, very pleased to hear at the end of this statement, what's happening with DSCR in conjunction or comparison, rather to the conventional so DSCR everybody means debt service, coverage ratio. It's a very simple formula. We are going to take the gross rents and divide it by the principal and interest and taxes and insurance and association. If it applies, that's it.   Keith Weinhold  22:18   $1,000 in gross rents, $800 in p i, t i, that yields a DSCR of 1.25 Correct?   Caeli Ridge  22:25   Yes, you're absolutely right. The one that I use as I, just to keep it simple, is 1000 rents, 1000 piti. That's a 1.0 right? As long as the gross rents are equal or greater than the p i, t i, you're going to be in a position to get the more favorable rates. Now that's not to say that we can't go below a 1.0 ratio. You can actually have a property, we have products that will allow the DSCR to be a point seven five. That would mean, in this scenario, if you had rents, gross rents of 750, and the piti was 1000 you can actually get that loan done. That is allowed. The rate gets a little bit hairy. So more often than not, we're at the 1.0 and above. So this is just a really great way for investors who are either recently self employed, maybe they're adjusted gross, they just write everything off for reasons that you can imagine. Why? Right? They don't want to pay the taxes. It could be 100 different reasons. The DSCR option is such a great solution to provide a 30 year fixed mortgage same same similar leverage, if not sometimes even better than a Fannie Freddie, than a conventional loan, you can usually leverage a little bit more, in some cases, on a DSCR like a two to four, for example, two to four unit residential property, Fannie Freddie, they kind of cut those loan to values a little bit, and the DSCR loans don't care about that. So you can get the same leverage as a single family would in a DSCR. The only other primary difference is these DSCR loans are going to come with prepayment penalties. Typically, the standard is about three years, but we're usually not refinancing in the first 36 months. Anyway, if you know that that's applicable to you, then you'd have to buy the prepay down or out, which you can do otherwise. DSCR is amazing. Oh, and I'll give you the little hook here. So something I have observed this is maybe very recent 4550 ish days, the margin for interest rate difference between conventional and DSCR is really starting to narrow. DSCR products are really performing well, and that interest rate improvements that we've been seeing for those products is not far off from what the Fannie Freddie's are, and I've even seen examples where DSCR beats a 30 year fixed Fannie Freddie rate. Now those are for the higher loan amounts. I can explain if you want, but otherwise, that's good news.   Keith Weinhold  24:36   Okay, this is really good news. It's a time in the cycle where dscrs could very well make sense for you without that huge documentation Shakedown that you need with W twos and pay stubs and everything else. There are a lot of nascent trends in the mortgage industry, and we're trying to separate some of them from being rumors, from being something that can truly happen. We're talking about 50 year mortgages and poor. Affordable mortgages. More on that. When we come back, you're listening to get rich education. Our guest is Ridge lending Group President, Chaley Ridge   Keith Weinhold  25:07   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program. When you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest, start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre, or send a text now it's 1-937-795-8989, yep, text their freedom. Coach, directly, again. 1-937-795-8989,   Keith Weinhold  26:18   The same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage, start your pre qual and even chat with President Chaley Ridge personally, while it's on your mind, start at Ridge lending group.com, that's Ridge lending group.com   Dana Dunford  26:50   this is hemlanes co founder, Dana Dunford. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.    Keith Weinhold  26:58   welcome back to get rich education. We're talking with Ridge lending Group President and Founder, Chaley Ridge about how you can get lower mortgage rates, and also about some trends in the industry, separating what's really a rumor in what could really happen squaring on 50 year mortgages and portable mortgages, those are both things only being discussed by the administration to help with affordability. FHFA Director Bill Pulte created some jarring news recently when he publicized this. What are your thoughts on the 50 year mortgage?    Caeli Ridge  27:39   You know, on a primary residence basis, I'm not so sure I need to maybe put some more thought into that. But for an investment property, I love it. Man, anything to keep that payment down so that, because, remember, we talked about earlier in the show here the percentage of mortgages, let's just use our 30 year fixed for a second that for a rental property that start on day one and then stroke a check 360 times later to pay that to zero. Is a fraction of a percent right? We are refinancing these things. We are selling them and doing 1031 exchanges. So anything that can keep my cash flow higher and my payment lower, I am all for it. Now, the people that push back and say, Well, I want to pay off my mortgage in 15 years. I don't want to pay extra interest, you are welcome to do that. So there's a second piece to this that I think is equally as important as maximizing cash flow, and that is your qualification. All right, if this comes to pass, and right now, it could just be noise, okay, and I'm speaking specifically for investment property, but if this is available to us, the debt to income ratio component, because think about it like this. So I'm going to keep using my 15 year and my 30 year, because that's kind of what we understand. The payment difference between a 30 year 360 month and a 15 year 180 month can be substantial depending on the loan size. I mean, it can be hundreds and hundreds of dollars for the individual that is dead set and say, I don't want to pay the higher interest. I want to pay these things off. We may have arguments about that whole strategy to begin with, but overall, if they still want to do that and that's their decision, Fine, take the 30 year fixed payment. Take the 30 year fixed mortgage. Apply the difference. You can figure out that payment difference very easily. Apply it religiously. Every month. You will cross the finish line in about 15.4 years. Download an amortization calculator online. You can find them everywhere. Plug in your numbers, and you'll see what I'm talking about. If you were to do this, let's say the difference is 200 bucks a month, and you send it in every month with your 30 year fixed mortgage payment, you will cross the finish line to pay that thing off in about 15.4 years. So yes, you'll pay a few extra months of interest. But what have you done to your qualifications, right, your payment now on your debt to income ratio, when we're looking at this thing for a future optimization, never take the shorter term amortization, ever, ever, ever, you won't pay the higher interest that the 30 year or the 50 Year will probably come with because you've accelerated the payoff so long, if that's your choice. Now for everybody else that really wants. To maximize that cash flow. And they get that, they're going to be refinancing this every five, six, whatever it is, years take it, man, I am all for the longer term amortization on a rental.   Keith Weinhold  30:10   I agree with you. I even like the 50 year on a primary residence, but yeah, Chaley, right here on the show, several weeks before Bill Pulte made the announcement, I actually talked about the 50 year mortgage and compared it to the 30 and the reasons that I like it because I knew there was a chance it could be coming, since this administration is trying to do so much to help out with affordability, people buy based on a payment, not a price that lowers the payment. A 50 year mortgage helps you benefit from inflation, and there are a lot of other advantages that have to do with that, although you probably are going to pay a higher interest rate on a 50 than you would a 30. And you know, Chaley, when the 30 year mortgage had its Advent just after World War Two, I'm going to guess 75 years ago, people were having this same conversation like, oh, 30 years, my gosh, you're never going to pay off the home. And really, that's not what it's about.    Caeli Ridge  31:01   Not at all, not at all. And remember, you guys, I would encourage everybody listening to this to actually go get that amortization table and see how much interest is baked in and how it is applied and paid. It is the back end of any of these amortized mortgages where the principal actually starts to get applied in a meaningful way. The 50 year mortgage, or the longer term amortization is a huge advantage. I'm speaking for investors. Mostly. I love it.   Keith Weinhold  31:26   Some people say, are you nuts? Look at how much more interest you're paying over the life of the loan on a 50 year mortgage versus a 30 year mortgage. We already touched on that you're not going to keep that loan for the life of it, and if you just take the difference from the lower payment that a 50 Year gives you, and invest that in 8% return, you are going to crush 2x to 3x oftentimes, what the paltry interest savings are over several decades,    Caeli Ridge  31:26   and somebody else is making that payment right. We have tenants that are responsible   Keith Weinhold  31:47    100% and then there's something that I don't know if portable mortgages would fly. And what this means is that when borrowers move, they could keep the rate, keep their term and keep their lender, presumably for the new home you might have seen it in the news. You the listener that Fannie May remove the minimum credit score requirements from desktop underwriting. And Chaley, I think you let me know elsewhere that those changes don't affect non owner occupied, but of course, it could affect the broader housing market in pricing. What are your thoughts about lowering the credit score requirement   Caeli Ridge  32:28   so similar to the portable stuff, until it really reaches mainstream and it affects the non owner occupied I'm not deep diving into those things. The basis of it, though, is, is that, yeah, they're removing that minimum credit score requirement from a du underwrite that stands for desktop underwriter, as you said, that is Fannie Mae's sophisticated, automated underwriting system, and I think it's just going to give more eligibility to lower income households and people trying to become homeowners that have found the barrier for entry very restrictive because They have credit issues.    Keith Weinhold  33:00   Well, let's talk about FHA and VA loans, something that we have rarely, if ever touched on. Our listeners know that I started out making my first ever property of any kind, an FHA loan with three and a half percent down on a fourplex, living in one unit, renting out the other three. Tell us about some trends there in FHA and VA loans   Caeli Ridge  33:21   we actually just did house hack campaign. We did a webinar on it, co living, all those different ways in which, you know, the younger generation, especially, and this is true for anyone. I don't want to pigeonhole it, can get themselves into home ownership and propel them into the real estate investing as an asset class. I am such a big fan of this model, in this strategy, for anybody that's interested and willing to kind of coal mingle or habitat, like you did a four Plex at three and a half percent down, you've got three tenants that are making your mortgage payment. VA, likewise, any of the Gubby loans, which include VA, FHA, USDA, you can get high, high leverage and up to four units. So I'm a huge fan of that. And then the CO living is another thing that I think is not quite mainstream, but I think it's gaining steam    Keith Weinhold  34:09   for those that don't know what we're talking about, you can use an FHA loan with a three and a half percent down payment, as long as you live in one of the units, your credit score can even be pretty low, and you can do that with a single family home, duplex, triplex or fourplex. You can get those same benefits with a VA loan and zero down   Caeli Ridge  34:29   USDA also zero down if you're in the right zip code. How does one qualify for a USDA loan? You know, there's a website I would have you check out. We don't do a ton of those. We have the ability, of course, but there's income restrictions and all of this. They've got, actually, a pretty slick website where you can go online, type in the zip code, make sure it's in a rural area, what your income is. There's all these inputs, and it'll tell you if you'd be a candidate for it. But yeah, it's good. Rates zero down. I like the product.   Keith Weinhold  34:56   Well, there have been a lot of newsy items when it comes. Comes to mortgages. Caeli and I think we should drop back before we're done here and talk about the basics. Just basically, what does it take to get a non owner occupied loan for residential income property?   Caeli Ridge  35:12   You know, there's so many options for investors today that I would say that if you have access to and even with what we just said, house hack. I mean, listen, if you've got 3% down, three and a half percent down, you can probably assure yourself you can get into a property. And if you can't qualify from a income debt to income ratio perspective, you've got three or four other models, which include DSCR, bank statement loans, asset depletion loans, overall, I would say that this is an individual conversation. Chances are you could probably qualify today, and if you can't, one of the things that I love about Ridge lending is, is that we're going to help you plant the seeds and show you how to qualify. If it takes you three months or six months or a year, that's what we do.   Keith Weinhold  35:56   Yeah, we've definitely noticed the difference here and that you do help that investor with long term planning? I do my own loans at ridge, and my assistant here at GRE she recently got the ball rolling with you in there at Ridge as well.   Caeli Ridge  36:11   Brenda, yes, yes, that was fantastic. We are very looking forward to helping her.   Keith Weinhold  36:16   Well, you know, chili, I've come here with a lot of questions that I had. What's the question No one's asking you, but you wish that they would.   Caeli Ridge  36:25   I think it probably would be for me, planning. You know, we get a lot of questions about interest rates. That's kind of top of mind for everybody. More about planning, having people that are interested in real estate as an asset class and an investment have the conversations to say, this is where I'm at today. This is where I'd like to be in five years. Tell me how to get there, and we can have those high level conversations that really sort of reverse engineer it and say, Okay, this is where you stand today from an underwriting perspective. This is where you need to be, and here's how we're going to get you there. It's always about planting seeds and creating those roadmaps, as I like to say so I would say that that would be top of my list.   Keith Weinhold  37:02   That's exactly what you do in there, and that's really what sets you apart. Well, remind our audience how they can get a hold of ridge.   Caeli Ridge  37:11   Yes, there's a couple ways. Of course, our website, Ridge lending group.com Please email us info at Ridge lending group.com and then call us toll free. 855-747-4343, 855-74-RIDGE  is an easy way to remember.   Keith Weinhold  37:25   It's really been valuable this time. Chaley, thanks so much for coming back onto the show.   Caeli Ridge  37:29    Appreciate you. Keith.   Keith Weinhold  37:36   Oh yeah, good pointed info from Chaley over at Ridge, I think that the important things for you to remember from our conversation is that, gosh, isn't it so glaring like in your face that you have options. All these options when you engage with a lender, you're going to learn that there are probably loan programs that you've never even heard of, some that you might fit into and even if you aren't adding more property, if you're not in that phase, there are ways that you can take your existing loans and consolidate them or refinance them, or use them to produce a tax free windfall for yourself and the US is often the envy of other world nations with the flexibility that we have here in our mortgage market. I've never known anyone that does this better than Chaley and her team. I mean, they are real difference makers. If you learn something on today's show, hey, Don't hoard the good stuff. Engage in the nicest kind of wealth redistribution. Tap the Share button right now and share this on social, or text this episode to one friend who'd appreciate it. That would mean the world to me. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 2  38:57   Nothing on this show should be considered specific personal or professional advice, please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively   Keith Weinhold  39:25   The preceding program was brought to you by your home for wealth building, getricheducation.com  

Send us a textThe conversation focuses on the export trends for corn, soybeans, and wheat, highlighting the significant role of Mexico as a buyer, the strong commitments for corn and wheat, and the lagging soybean exports, particularly in relation to China. The discussion emphasizes the importance of maintaining export pace to meet USDA forecasts and the implications of trade agreements on future purchases.Stay Connectedhttps://www.commstock.com/https://www.facebook.com/CommStockInvestments/https://www.youtube.com/channel/UClP8BeFK278ZJ05NNoFk5Fghttps://www.linkedin.com/company/commstock-investments/

*The sorghum industry is struggling.  *USDA is estimating an increase in wheat yields and production. *It's important for farmers in the Texas High Plains to conserve water.  *Dry conditions will continue across Texas in December.  *Texas Farm Bureau continues to advocate for an updated Farm Bill.  *Coastal Bend farmers have something to be thankful about.  *The neurologic form of equine herpes virus was recently discovered in Texas.  

Thanksgiving is over, but the leftovers remain. How safe is it to continue feasting on that delicious turkey and all the trimmings? In this episode, we discuss the safe timeframe for consuming your holiday goodies, offer tips on maximizing their lifespan, and share a few laughs along the way. With helpful insights from Uncle Steve and USDA-backed advice, this is an episode you won't want to miss if you're planning to indulge in your Thanksgiving treats for just a little bit longer.

Veteran analyst Pete Meyer joins Chris Barron for a candid breakdown of today's markets. We cover the flash-sale uncertainty, missing USDA data, CFTC delays, fund positioning, and what they actually mean for grain prices heading into December. Pete explains why soybeans will lead, why corn may not follow, how to think about stock-market spillover, and why production rallies are meant to be sold and demand rallies respected. We also dive into the on-farm realities: working capital erosion, sticky overhead, crop mix decisions, and how to approach 2026 with practical risk management. If you run a business, manage acres, or simply want a grounded view of what lies ahead, this conversation is for you.

On this post-Thanksgiving edition of MAHA News, Jordan Sather and Nate Prince kick things off with holiday banter before digging into a rapid-fire barrage of health, agriculture, and regulatory bombshells. They react to Dr. Marty Makari's explosive podcast revelations about Lyme disease origins and U.S. cancer patients' cells being gene-edited in China, then break down major shifts inside America's health agencies, from new HHS leadership to Louisiana Surgeon General Ralph Abraham stepping in as the CDC's new #2. The hosts examine the uproar over the CDC's vaccine-autism webpage update, Senator Bill Cassidy's pharma-funded outrage, and newly exposed corruption inside HHS. From there, the episode turns to food and agriculture: Campbell's Soup executives trashing their own products, PFAS pesticide approvals, and Chuck Grassley's defense of Big Ag as Kennedy advisors target harmful pesticides. Jordan and Nate highlight alarming cancer clusters in heavy-spray states, unpack USDA and EPA failures, and spotlight ranchers fighting back through private-member co-ops and new grassroots alliances aimed at breaking the Big Four packer monopoly. They close with cannabis policy hypocrisy, fluoride debates, demographic decline, and the MAHA community's new health challenge board.

Cattle markets, avian influenza updates and new whole milk legislation kick off today's show, followed by an interview recapping 2025 equipment trends and expectations for a busy stretch ahead. This week's agriculture news includes continued disappointment across the industry after Tyson Foods announced last week it will shut down its Nebraska plant in January, a New World screwworm update, and a recent horse disease outbreak. We also break down newly analyzed cost data highlighting the need to address financial strain for farmers, a new USDA trading program, available biofuel production payments and ongoing pressure from ag groups for year-round E15 sales. This week's interview highlights factors influencing the equipment market with BigIron co-founder and co-owner Mark Stock. He discusses what's selling from tractors to planters and which regions are seeing the most activity. Stay connected with us for more agriculture content on Instagram, TikTok, Facebook, and YouTube, along with our weekly videos!

USDA meteorologist Brad Rippey discusses the final sunflower harvest progress numbers for this year. USDA Radio NewslineSee omnystudio.com/listener for privacy information.

A newly launched USDA web resource provides comprehensive data for the public and stakeholders on New World Screwworm prevention and detection efforts. Rod Bain with USDA has the story. USDA Radio NewslineSee omnystudio.com/listener for privacy information.

USDA forecasts for increased wheat yields and production play a role in both larger ending stock numbers and a lower season-ending average price estimate. NAFB News ServiceSee omnystudio.com/listener for privacy information.

USDA moves to buy surplus fresh fruit for nutrition programs, a decision California growers will be watching closely.

USDA moves to buy surplus fresh fruit for nutrition programs, a decision California growers will be watching closely.

Campbell's soup is in hot water over what Campbell's Vice President and Chief Information Security Officer, Martin Bally, was recorded saying: “We have s**t for f***king poor people. Who buys our s**t? I don't buy f**king Campbell's products barely anymore. It's not healthy now that I know what the f**k's in it. Even in a can of soup, I look at it…'bioengineered meat.'”... “I don't wanna eat a f**king, a piece of chicken that came from a 3D printer. Do you?”Campbell's responded by saying: "We are proud of the food we make, the people who make it and the high-quality ingredients we use. The comments on the recording are not only inaccurate – they are patently absurd. Keep in mind, the alleged comments are made by an IT person, who has nothing to do with how we make our food. If the recording is legitimate, the comments are unacceptable. They do not reflect our values and the culture of our company... The chicken meat used in our soups comes from long-trusted, USDA-approved US suppliers and meets our high quality standards. All of our soups are made with No Antibiotics Ever chicken meat, meaning we don't allow antibiotics to be added to the feed, water, or any commercial vaccines used by our chicken suppliers."But there are some problems here. Campbell's admits on their website that most of their base ingredients are GMO, which are not "high quality" and only imply that more expensive ingredients like meat are very likely to be "bioengineered." Their misleading comments and lies are just reason alone to boycott the company entirely, especially for thanksgiving. *The is the FREE archive, which includes advertisements. If you want an ad-free experience, you can subscribe below underneath the show description.WEBSITEFREE ARCHIVE (w. ads)SUBSCRIPTION ARCHIVE-X / TWITTERFACEBOOKINSTAGRAMYOUTUBERUMBLE-BUY ME A COFFEECashApp: $rdgable PAYPAL: rdgable1991@gmail.comRyan's Books: https://thesecretteachings.info - EMAIL: rdgable@yahoo.com / rdgable1991@gmail.comBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-secret-teachings--5328407/support.

Thanksgiving is one of the busiest times of the year for USDA's Meat and Poultry Hotline with several food questions associated with cooking the holiday turkey. Rod Bain has the details.

Antitrust attorney Basel Musharbash discusses recent political whiplash in beef markets and the broader question of how actually to enforce anti-monopoly law. The conversation covers why ranchers erupted over being blamed for high beef prices, the history of promises versus lackluster execution going back to early 1900s meatpacking cases, and how the Packers and Stockyards Act was supposed to regulate these companies but never really worked except briefly in the 1940s, Reagan's 1982 announcement ending merger enforcement and the five year transformation that followed, the difference between free markets and accessible competitive markets, why monopolies arise even without government help through predatory pricing and exclusive contracts, the paradox of needing to use power to break up concentrated power, Robert Jackson's 1937 speech on economic democracy without bureaucracy or regimentation, concrete immediate actions like debarment from government contracts versus multi-year DOJ investigations, why Congress could pass a breakup bill instead of waiting on agencies, the political opportunity for either party to outflank the other on this issue, Dan Osborne's economic dictatorship framing, and why economists should maybe just be ignored entirely when they dismiss rancher testimony with modeling exercises.Basel is Managing Attorney at the Antimonopoly Counsel, specializing in antitrust and trade regulation with a focus on agriculture, rural economies, and consumer protection. He has represented farmers against meat processors, defended workers from illegal noncompete agreements, and advocated before the FTC, DOJ, and USDA. Basel authored the landmark 2024 report “Kings Over the Necessaries of Life” on monopolization in American agriculture. His work has been featured in Reuters, AP, Time Magazine, CNBC, and other major outlets.

Steve and Candice MacLean, who grew up in New Jersey but have no farming background, transitioned from urban to rural farming after Steve’s experience as a chef working with a farm. Inspired by sustainable farming practices, they decided to purchase a farm in the northwestern corner of New Jersey. They now focus on organic produce and animal husbandry, embracing the farm-to-table philosophy. Starting with pigs to improve pasture conditions and later adding cattle, chickens, sheep, rabbits, and ducks, they established a farm market in a renovated barn to sell their produce and products, using social media to promote it. The farm market is now open three days a week, primarily on weekends, and relies on word-of-mouth and social media for advertising. They also grow over 200 varieties of USDA-certified organic vegetables, which are used for a four-course tasting menu dinner series held four times a month. www.theNJFarm.com

There are two methods that frozen, even partially, frozen turkeys should not be cooked from a food safety perspective at Thanksgiving, or any time. Rod Bain with USDA has the story. USDA Radio NewslineSee omnystudio.com/listener for privacy information.

What if clean eating didn't mean bland food, complicated meal prep, or $15 drive‑thru compromises? We sit down with Stu of Stu's Clean Cooking, a veteran who shed 100 pounds and turned his personal transformation into a fast‑growing meal company that serves up real food at real‑world prices. He breaks down the simple framework that actually sticks: whole ingredients, smart portions, and options you'll want to eat again tomorrow.We get candid about the science and the traps. Stu explains why insulin control matters, how ketones help mobilize fat, and where “keto” goes wrong when it becomes candy with a label. Then we walk through the menu—from brisket mac and pork carnitas to quinoa bowls—showing how “healthy” and “kind of healthy” lanes keep adherence high without sacrificing flavor. The kicker: most meals land in the 500–700 calorie range, with protein front and center, and prices starting at $6.99 when you buy in bulk.Behind the scenes, Stu's mechanical mind fuels consistency. He builds custom smokers, sizes veggies to reheat evenly, and runs separate protein smokers to protect celiac and alpha‑gal customers. We talk storefront strategy, delivery options, workplace freezer stocking, and why a central kitchen keeps costs down. He also opens up about the limits of scaling without USDA certification, the frustration of being ineligible for SNAP despite offering nutrient‑dense meals, and how community support and transparent labeling win trust.If you want practical nutrition that fits a busy life—keto without the gimmicks, macros without the math headache, and frozen meals that actually taste fresh—this conversation is your playbook. Try the app, grab a dozen, and make better your default choice. If you enjoyed this, follow the show, leave a rating, and share it with a friend who's ready to trade fast food for real fuel.

*A record high corn crop is coming in this year.*Farmers who grow wheat in the Texas High Plains have a wide variety of ways they can market that crop. Unfortunately, none of their options look particularly strong right now. *The Texas Farm Bureau board recently discussed the need for economic assistance with U.S. Secretary of Agriculture Brooke Rollins. *USDA recently released its first Cattle on Feed report since September. *Management and early life conditions are critical to a calf's success.

We're dropping into your feeds today to share this special bonus episode. For many people gathering around the table this holiday season, things feel a little different. Maybe it's the cost of ingredients that's on your mind, or cuts to USDA funding that have left your food bank running low. Or maybe it's the simple reality of a packed schedule – there's a lot to cook, and so little time. In this special from Marketplace, we bring listeners a collection of stories on the business and economics of food. Our reporters take us across the country to farms, home kitchens, and restaurants. We visit a refugee farmer in Houston, a chocolate-making lab in California, and stop for a bite at an award-winning restaurant in Portland. 

We're dropping into your feeds today to share this special bonus episode. For many people gathering around the table this holiday season, things feel a little different. Maybe it's the cost of ingredients that's on your mind, or cuts to USDA funding that have left your food bank running low. Or maybe it's the simple reality of a packed schedule – there's a lot to cook, and so little time. In this special from Marketplace, we bring listeners a collection of stories on the business and economics of food. Our reporters take us across the country to farms, home kitchens, and restaurants. We visit a refugee farmer in Houston, a chocolate-making lab in California, and stop for a bite at an award-winning restaurant in Portland. 

00:00:39 — Trump's Genesis Act Hands Treasury to AI Knight exposes Trump's “Genesis Act” as a massive transfer of financial authority and surveillance power to artificial intelligence, bypassing constitutional structures. 00:01:22 — FBI Director Cash Patel Threatens Thomas Massey Knight reveals that FBI leadership attempted to intimidate Rep. Massey into supporting Israel policy, demonstrating the bureau's role as a foreign-aligned political weapon. 00:06:23 — TSA's Real Mission: Conditioning Americans to Obey Physical Control Knight argues that TSA's invasive procedures aren't about security but about training citizens to accept bodily control and warrantless government intrusion. 00:10:41 — McDonald's Inflation Exposes the Collapse of Living Standards Knight highlights runaway food inflation as proof that lockdowns and fiscal manipulation under Trump and Biden have permanently degraded American living standards. 00:13:43 — USDA's Fake Bird Flu Testing Drives Food Shortages Knight details how PCR-driven poultry culling is artificially tightening meat supplies, worsening price spikes and creating government-manufactured scarcity. 00:23:23 — U.S. Military Cancels Christmas Leave for Venezuela War Prep Knight reports that the Trump administration has put troops on wartime footing for a Venezuela operation that lacks congressional approval and constitutional justification. 01:01:56 — Speaker Johnson Moves to Silence Rank-and-File Knight outlines Johnson's plan to change House rules to block discharge petitions, consolidating power and suppressing internal dissent within Congress. 01:04:17 — FBI Threatens Massey's Staff Over Foreign Policy Knight reveals that Cash Patel's office threatened Massey's staff with prosecution to force alignment on Israel and Ukraine, underscoring federal coercion. 01:20:16 — Gaza, War, and Manufactured Popularity for World Leaders Knight argues that foreign conflicts are routinely used by failing leaders—such as Netanyahu—to revive approval ratings through war sentiment. 01:39:45 — Tether, Stablecoins, and the Coming Digital Dollar Takeover Knight warns that Tether and Trump-aligned financiers are constructing a private-sector CBDC system, backed by gold, that would centralize digital money under corporate control. 02:00:39 — Christians Must Reject Zionist Propaganda Knight explains that modern Christian Zionism is a 19th-century theological invention that distorts scripture and pressures believers into supporting state violence. 02:21:41 — Trump's Genesis Mission Hands America to Technocrats Knight says the broader Genesis Mission will give AI systems unprecedented power over communication, authentication, and governance, forming the backbone of a permanent technocracy. Money should have intrinsic value AND transactional privacy: Go to https://davidknight.gold/ for great deals on physical gold/silverFor 10% off Gerald Celente's prescient Trends Journal, go to https://trendsjournal.com/ and enter the code KNIGHTFind out more about the show and where you can watch it at TheDavidKnightShow.com If you would like to support the show and our family please consider subscribing monthly here: SubscribeStar https://www.subscribestar.com/the-david-knight-showOr you can send a donation throughMail: David Knight POB 994 Kodak, TN 37764Zelle: @DavidKnightShow@protonmail.comCash App at: $davidknightshowBTC to: bc1qkuec29hkuye4xse9unh7nptvu3y9qmv24vanh7Become a supporter of this podcast: https://www.spreaker.com/podcast/the-david-knight-show--2653468/support.

00:00:39 — Trump's Genesis Act Hands Treasury to AI Knight exposes Trump's “Genesis Act” as a massive transfer of financial authority and surveillance power to artificial intelligence, bypassing constitutional structures. 00:01:22 — FBI Director Cash Patel Threatens Thomas Massey Knight reveals that FBI leadership attempted to intimidate Rep. Massey into supporting Israel policy, demonstrating the bureau's role as a foreign-aligned political weapon. 00:06:23 — TSA's Real Mission: Conditioning Americans to Obey Physical Control Knight argues that TSA's invasive procedures aren't about security but about training citizens to accept bodily control and warrantless government intrusion. 00:10:41 — McDonald's Inflation Exposes the Collapse of Living Standards Knight highlights runaway food inflation as proof that lockdowns and fiscal manipulation under Trump and Biden have permanently degraded American living standards. 00:13:43 — USDA's Fake Bird Flu Testing Drives Food Shortages Knight details how PCR-driven poultry culling is artificially tightening meat supplies, worsening price spikes and creating government-manufactured scarcity. 00:23:23 — U.S. Military Cancels Christmas Leave for Venezuela War Prep Knight reports that the Trump administration has put troops on wartime footing for a Venezuela operation that lacks congressional approval and constitutional justification. 01:01:56 — Speaker Johnson Moves to Silence Rank-and-File Knight outlines Johnson's plan to change House rules to block discharge petitions, consolidating power and suppressing internal dissent within Congress. 01:04:17 — FBI Threatens Massey's Staff Over Foreign Policy Knight reveals that Cash Patel's office threatened Massey's staff with prosecution to force alignment on Israel and Ukraine, underscoring federal coercion. 01:20:16 — Gaza, War, and Manufactured Popularity for World Leaders Knight argues that foreign conflicts are routinely used by failing leaders—such as Netanyahu—to revive approval ratings through war sentiment. 01:39:45 — Tether, Stablecoins, and the Coming Digital Dollar Takeover Knight warns that Tether and Trump-aligned financiers are constructing a private-sector CBDC system, backed by gold, that would centralize digital money under corporate control. 02:00:39 — Christians Must Reject Zionist Propaganda Knight explains that modern Christian Zionism is a 19th-century theological invention that distorts scripture and pressures believers into supporting state violence. 02:21:41 — Trump's Genesis Mission Hands America to Technocrats Knight says the broader Genesis Mission will give AI systems unprecedented power over communication, authentication, and governance, forming the backbone of a permanent technocracy. Money should have intrinsic value AND transactional privacy: Go to https://davidknight.gold/ for great deals on physical gold/silverFor 10% off Gerald Celente's prescient Trends Journal, go to https://trendsjournal.com/ and enter the code KNIGHTFind out more about the show and where you can watch it at TheDavidKnightShow.com If you would like to support the show and our family please consider subscribing monthly here: SubscribeStar https://www.subscribestar.com/the-david-knight-showOr you can send a donation throughMail: David Knight POB 994 Kodak, TN 37764Zelle: @DavidKnightShow@protonmail.comCash App at: $davidknightshowBTC to: bc1qkuec29hkuye4xse9unh7nptvu3y9qmv24vanh7Become a supporter of this podcast: https://www.spreaker.com/podcast/the-real-david-knight-show--5282736/support.

In this episode, Michael talks with Arturo Elizondo, founder and CEO of The EVERY Company, about the company's nationwide rollout inside Walmart products, its $55 million Series D fundraise, and the strategic shift toward becoming a “boring but sexy” B2B ingredient supplier powering baked goods behind the scenes. Arturo talks about the early IndieBio days, the decade-long journey from USDA intern to food-tech founder, and why he believes egg-based supply chains are destined for disruption as avian flu risks intensify. Learn more about your ad choices. Visit megaphone.fm/adchoices

Thanksgiving Week Opens with Weather Shifts and Industry Updates The AgNet News Hour begins with hosts Nick Papagni and Lorrie Boyer catching up on Thanksgiving plans, recent health challenges, and California's quick-changing weather patterns. Nick offers a detailed look at the pistachio sector, noting the industry's record-breaking 2025 harvest. He explains how growers are paid and how storage cycles work during heavy production years, all while acknowledging the ongoing strain of California's consistently elevated fuel prices. Inside the World of Larry Jacobs: Early Organic Leadership The program shifts into a full interview with Larry Jacobs of Jacobs Farm, one of California's most respected organic growers. Jacobs reflects on his early decision to distance himself from chemical pesticides and the growth of his farm across several coastal counties. Today, his operation produces a wide variety of herbs, vegetables, and specialty crops, benefitting from California's ideal climate while wrestling with the realities of farming in one of the most regulated states in the nation. Jacobs describes the constant balancing act: exceptional weather and yield potential on one side, and soaring labor costs, complex regulations, and operational challenges on the other. Labor Regulations, Cost Pressures, and the California Challenge A major theme throughout the conversation is the increasing difficulty of farming in California. Jacobs and the hosts discuss: Rising labor costs and shifting labor laws Regulatory obstacles that complicate planting, harvesting, and processing Water restrictions and the loss of high-quality farmland to development Reliance on consumer and retailer understanding of the cost and risk behind premium-quality produce Jacobs emphasizes that organic growers are navigating a system where they must comply with higher standards without always receiving higher margins, especially as the price gap between organic and conventional crops continues to narrow. Automation and Precision Tools: Innovation Meets Old Rules Jacobs highlights how automation, robotics, and precision agriculture tools are reshaping organic production. These technologies help reduce labor burdens, improve consistency, and lower long-term costs—making them essential for the next generation of farming. But outdated regulations remain a bottleneck. The hosts note the contradiction: California allows fully autonomous cars on public roads yet restricts autonomous tractors in empty fields. This mismatch, Jacobs argues, slows progress and places California growers at a competitive disadvantage. Sustainability: Soil Health, Organics, and the Future of Packaging Sustainability is another major pillar of Jacobs Farm. Jacobs discusses long-term investments in: Building soil health and organic matter Reducing reliance on plastics Testing new sustainable packaging materials Improving water use efficiency Expanding year-round herb production These practices align with increasing consumer interest in organic, healthy, environmentally responsible food — a trend Jacobs sees accelerating, particularly among younger families. USDA Citrus Purchase & Broader Industry Pressures The hosts also highlight the USDA's recent announcement of a $30 million citrus purchase, designed to stabilize markets and supply food banks nationwide. While it remains unclear how much of the buy will include California fruit, the program offers meaningful support to growers facing rising production costs and regulatory burdens. A Nationwide Equine Herpes Virus Outbreak Raises Alarms Toward the end of the show, Lorrie Boyer reports on a rapidly spreading equine herpes virus (EHV) outbreak traced back to events in Texas. Horses have since returned home to dozens of states, leading to nationwide biosecurity alerts. The virus causes severe neurological symptoms, often fatal, and states are now tightening protocols for cross-border movement. Closing Thoughts and Holiday Reflections The AgNet News Hour wraps with Thanksgiving plans, reminders about safe holiday travel, and excitement for upcoming recipes and family gatherings. The hosts thank listeners and encourage them to stay connected through AgNet West's digital platforms.

When it comes to proper thawing of a frozen or fresh turkey meant for the Thanksgiving meal, differing food safety considerations are needed for each. Rod Bain with USDA has the story. NAFB News ServiceSee omnystudio.com/listener for privacy information.

What were some of the takeaways from USDA's latest Cattle on Feed report issued Friday? Rod Bain with USDA has that story. USDA Radio NewslineSee omnystudio.com/listener for privacy information.

Joe's Premium Subscription: www.standardgrain.comGrain Markets and Other Stuff Links —Apple PodcastsSpotifyTikTokYouTubeFutures and options trading involves risk of loss and is not suitable for everyone.

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In this episode, Kelly Brownell speaks with Jerold Mande, CEO of Nourish Science, adjunct professor at the Harvard School of Public Health, and former Deputy Undersecretary for Food Safety at the USDA. They discuss the alarming state of children's health in America, the challenges of combating poor nutrition, and the influence of the food industry on public policy. The conversation explores the parallels between the tobacco and food industries and proposes new strategies for ensuring children reach adulthood in good health. Mande emphasizes the need for radical changes in food policy and the role of public health in making these changes. Transcript So, you co-founded this organization along with Jerome Adams, Bill Frist and Thomas Grumbly, as we said, to ensure every child breaches age 18 at a healthy weight and in good metabolic health. That's a pretty tall order given the state of the health of youth today in America. But let's start by you telling us what inspired this mission and what does it look like to achieve this in today's food environment? I was trained in public health and also in nutrition and in my career, which has been largely in service of the public and government, I've been trying to advance those issues. And unfortunately over the arc of my career from when I started to now, particularly in nutrition and public health, it's just gotten so much worse. Indeed today Americans have the shortest lifespans by far. We're not just last among the wealthy countries, but we're a standard deviation last. But probably most alarming of all is how sick our children are. Children should not have a chronic disease. Yet in America maybe a third do. I did some work on tobacco at one point, at FDA. That was an enormous success. It was the leading cause of death. Children smoked at a higher rate, much like child chronic disease today. About a third of kids smoked. And we took that issue on, and today it's less than 2%. And so that shows that government can solve these problems. And since we did our tobacco work in the early '90s, I've changed my focus to nutrition and public health and trying to fix that. But we've still made so little progress. Give us a sense of how far from that goal we are. So, if the goal is to make every child reaching 18 at a healthy weight and in good metabolic health, what percentage of children reaching age 18 today might look like that? It's probably around a half or more, but we're not quite sure. We don't have good statistics. One of the challenges we face in nutrition is, unfortunately, the food industry or other industries lobby against funding research and data collection. And so, we're handicapped in that way. But we do know from the studies that CDC and others have done that about 20% of our children have obesity about a similar number have Type 2 diabetes or the precursors, pre-diabetes. You and I started off calling it adult-onset diabetes and they had to change that name to a Type 2 because it's becoming so common in kids. And then another disease, fatty liver disease, really unthinkable in kids. Something that the typical pediatrician would just never see. And yet in the last decade, children are the fastest growing group. I think we don't know an exact number, but today, at least a third, maybe as many as half of our children have a chronic disease. Particularly a food cause chronic disease, or the precursors that show they're on the way. I remember probably going back about 20 years, people started saying that we were seeing the first generation of American children that would lead shorter lives than our parents did. And what a terrible legacy to leave our children. Absolutely. And that's why we set that overarching goal of ensuring every child reaches age 18 in good metabolic health. And the reason we set that is in my experience in government, there's a phrase we all use - what gets measured gets done. And when I worked at FDA, when I worked at USDA, what caught my attention is that there is a mission statement. There's a goal of what we're trying to achieve. And it's ensuring access to healthy options and information, like a food label. Now the problem with that, first of all, it's failed. But the problem with that is the bureaucrats that I oversaw would go into a supermarket, see a produce section, a protein section, the food labels, which I worked on, and say we've done our job. They would check those boxes and say, we've done it. And yet we haven't. And if we ensured that every child reaches age 18 at a healthy weight and good metabolic health, if the bureaucrats say how are we doing on that? They would have to conclude we're failing, and they'd have to try something else. And that's what we need to do. We need to try radically different, new strategies because what we've been doing for decades has failed. You mentioned the food industry a moment ago. Let's talk about that in a little more detail. You made the argument that food companies have substituted profits for health in how they design their products. Explain that a little bit more, if you will. And tell us how the shift has occurred and what do you think the public health cost has been? Yes, so the way I like to think of it, and your listeners should think of it, is there's a North star for food design. And from a consumer standpoint, I think there are four points on the star: taste, cost, convenience, and health. That's what they expect and want from their food. Now the challenge is the marketplace. Because that consumer, you and I, when we go to the grocery store and get home on taste, cost, and convenience, if we want within an hour, we can know whether the food we purchased met our standard there. Or what our expectations were. Not always for health. There's just no way to know in a day, a week, a month, even in a year or more. We don't know if the food we're eating is improving and maintaining our health, right? There should be a definition of food. Food should be what we eat to thrive. That really should be the goal. I borrowed that from NASA, the space agency. When I would meet with them, they said, ' Jerry, it's important. Right? It's not enough that people just survive on the food they eat in space. They really need to thrive.' And that's what WE need to do. And that's really what food does, right? And yet we have food, not only don't we thrive, but we get sick. And the reason for that is, as I was saying, the marketplace works on taste, cost and convenience. So, companies make sure their products meet consumer expectation for those three. But the problem is on the fourth point on the star: on health. Because we can't tell in even years whether it's meeting our expectation. That sort of cries out. You're at a policy school. Those are the places where government needs to step in and act and make sure that the marketplace is providing. That feedback through government. But the industry is politically strong and has prevented that. And so that has left the fourth point of the star open for their interpretation. And my belief is that they've put in place a prop. So, they're making decisions in the design of the product. They're taste, they gotta get taste right. They gotta get cost and convenience right. But rather than worrying what does it do to your health? They just, say let's do a profit. And that's resulted in this whole category of food called ultra-processed food (UPF). I actually believe in the future, whether it's a hundred years or a thousand years. If humanity's gonna thrive we need manmade food we can thrive on. But we don't have that. And we don't invest in the science. We need to. But today, ultra-processed food is manmade food designed on taste, cost, convenience, and then how do we make the most money possible. Now, let me give you one other analogy, if I could. If we were CEOs of an automobile company, the mission is to provide vehicles where people can get safely from A to point B. It's the same as food we can thrive on. That is the mission. The problem is that when the food companies design food today, they've presented to the CEO, and everyone gets excited. They're seeing the numbers, the charts, the data that shows that this food is going to meet, taste, cost, convenience. It's going to make us all this money. But the CEO should be asking this following question: if people eat this as we intend, will they thrive? At the very least they won't get sick, right? Because the law requires they can't get sick. And if the Midmanagers were honest, they'd say here's the good news boss. We have such political power we've been able to influence the Congress and the regulatory agencies. That they're not going to do anything about it. Taste, cost, convenience, and profits will work just fine. Couldn't you make the argument that for a CEO to embrace that kind of attitude you talked about would be corporate malpractice almost? That, if they want to maximize profits then they want people to like the food as much as possible. That means engineering it in ways that make people overeat it, hijacking the reward pathways in the brain, and all that kind of thing. Why in the world would a CEO care about whether people thrive? Because it's the law. The law requires we have these safety features in cars and the companies have to design it that way. And there's more immediate feedback with the car too, in terms of if you crashed right away. Because it didn't work, you'd see that. But here's the thing. Harvey Wiley.He's the founder of the food safety programs that I led at FDA and USDA. He was a chemist from academia. Came to USDA in the late 1800s. It was a time of great change in food in America. At that point, almost all of families grew their own food on a farm. And someone had to decide who's going to grow our food. It's a family conversation that needed to take place. Increasingly, Americans were moving into the cities at that time, and a brand-new industry had sprung up to feed people in cities. It was a processed food industry. And in order to provide shelf stable foods that can offer taste, cost, convenience, this new processed food industry turned to another new industry, a chemical industry. Now, it's hard to believe this, but there was a point in time that just wasn't an industry. So these two big new industries had sprung up- processed food and chemicals. And Harvey Wiley had a hypothesis that the chemicals they were using to make these processed foods were making us sick. Indeed, food poisoning back then was one of the 10 leading causes of death. And so, Harvey Wiley went to Teddy Roosevelt. He'd been trying for years within the bureaucracy and not making progress. But when Teddy Roosevelt came in, he finally had the person who listened to him. Back then, USDA was right across from the Washington Monument to the White House. He'd walk right over there into the White House and met with Teddy Roosevelt and said, ' this food industry is making us sick. We should do something about it.' And Teddy Roosevelt agreed. And they wrote the laws. And so I think what your listeners need to understand is that when you look at the job that FDA and USDA is doing, their food safety programs were created to make sure our food doesn't make us sick. Acutely sick. Not heart disease or cancer, 30, 40 years down the road, but acutely sick. No. I think that's absolutely the point. That's what Wiley was most concerned about at the time. But that's not the law they wrote. The law doesn't say acutely ill. And I'll give you this example. Your listeners may be familiar with something called GRAS - Generally Recognized as Safe. It's a big problem today. Industry co-opted the system and no longer gets approval for their food additives. And so, you have this Generally Recognized as Safe system, and you have these chemicals and people are worried about them. In the history of GRAS. Only one chemical has FDA decided we need to get that off the market because it's unsafe. That's partially hydrogenated oils or trans-fat. Does trans-fat cause acute illness? It doesn't. It causes a chronic disease. And the evidence is clear. The agency has known that it has the responsibility for both acute and chronic illness. But you're right, the industry has taken advantage of this sort of chronic illness space to say that that really isn't what you should be doing. But having worked at those agencies, I don't think they see it that way. They just feel like here's the bottom line on it. The industry uses its political power in Congress. And it shapes the agency's budget. So, let's take FDA. FDA has a billion dollars with a 'b' for food safety. For the acute food safety, you're talking about. It has less than 25 million for the chronic disease. There are about 1400 deaths a year in America due to the acute illnesses caused by our food that FDA and USDA are trying to prevent. The chronic illnesses that we know are caused by our food cause 1600 maybe a day. More than that of the acute every day. Now the agency should be spending at least half its time, if not more, worrying about those chronic illness. Why doesn't it? Because the industry used their political power in Congress to put the billion dollars for the acute illness. That's because if you get acutely ill, that's a liability concern for them. Jerry let's talk about the political influence in just a little more detail, because you're in a unique position to tell us about this because you've seen it from the inside. One mechanism through which industry might influence the political process is lobbyists. They hire lobbyists. Lobbyists get to the Congress. People make decisions based on contributions and things like that. Are there other ways the food industry affects the political process in addition to that. For example, what about the revolving door issue people talk about where industry people come into the administrative branch of government, not legislative branch, and then return to industry. And are there other ways that the political influence of the industry has made itself felt? I think first and foremost it is the lobbyists, those who work with Congress, in effect. Particularly the funding levels, and the authority that the agencies have to do that job. I think it's overwhelmingly that. I think second, is the influence the industry has. So let me back up to that a sec. As a result of that, we spend very little on nutrition research, for example. It's 4% of the NIH budget even though we have these large institutes, cancer, heart, diabetes, everyone knows about. They're trying to come up with the cures who spend the other almost 50 billion at NIH. And so, what happens? You and I have both been at universities where there are nutrition programs and what we see is it's very hard to not accept any industry money to do the research because there isn't the federal money. Now, the key thing, it's not an accident. It's part of the plan. And so, I think that the research that we rely on to do regulation is heavily influenced by industry. And it's broad. I've served, you have, others, on the national academies and the programs. When I've been on the inside of those committees, there are always industry retired scientists on those committees. And they have undue influence. I've seen it. Their political power is so vast. The revolving door, that is a little of both ways. I think the government learns from the revolving door as well. But you're right, some people leave government and try to undo that. Now, I've chosen to work in academia when I'm not in government. But I think that does play a role, but I don't think it plays the largest role. I think the thing that people should be worried about is how much influence it has in Congress and how that affects the agency's budgets. And that way I feel that agencies are corrupted it, but it's not because they're corrupted directly by the industry. I think it's indirectly through congress. I'd like to get your opinion on something that's always relevant but is time sensitive now. And it's dietary guidelines for America. And the reason I'm saying it's time sensitive is because the current administration will be releasing dietary guidelines for America pretty soon. And there's lots of discussion about what those might look like. How can they help guide food policy and industry practices to support healthier children and families? It's one of the bigger levers the government has. The biggest is a program SNAP or food stamps. But beyond that, the dietary guidelines set the rules for government spending and food. So, I think often the way the dietary guidelines are portrayed isn't quite accurate. People think of it in terms of the once (food) Pyramid now the My Plate that's there. That's the public facing icon for the dietary guidelines. But really a very small part. The dietary guidelines are meant to help shape federal policy, not so much public perception. It's there. It's used in education in our schools - the (My) Plate, previously the (Food) Pyramid. But the main thing is it should shape what's served in government feeding programs. So principally that should be SNAP. It's not. But it does affect the WIC program- Women, Infants and Children, the school meals program, all of the military spending on food. Indeed, all spending by the government on food are set, governed by, or directed by the dietary guidelines. Now some of them are self-executing. Once the dietary guidelines change the government changes its behavior. But the biggest ones are not. They require rulemaking and in particular, today, one of the most impactful is our kids' meals in schools. So, whatever it says in these dietary guidelines, and there's reason to be alarmed in some of the press reports, it doesn't automatically change what's in school meals. The Department of Agriculture would have to write a rule and say that the dietary guidelines have changed and now we want to update. That usually takes an administration later. It's very rare one administration could both change the dietary guidelines and get through the rulemaking process. So, people can feel a little reassured by that. So, how do you feel about the way things seem to be taking shape right now? This whole MAHA movement Make America Healthy Again. What is it? To me what it is we've reached this tipping point we talked about earlier. The how sick we are, and people are saying, 'enough. Our food shouldn't make us sick at middle age. I shouldn't have to be spending so much time with my doctor. But particularly, it shouldn't be hard to raise my kids to 18 without getting sick. We really need to fix that and try to deal with that.' But I think that the MAHA movement is mostly that. But RFK and some of the people around them have increasingly claimed that it means some very specific things that are anti-science. That's been led by the policies around vaccine that are clearly anti-science. Nutrition is more and more interesting. Initially they started out in the exact right place. I think you and I could agree the things they were saying they need to focus on: kids, the need to get ultra-processed food out of our diets, were all the right things. In fact, you look at the first report that RFK and his team put out back in May this year after the President put out an Executive Order. Mostly the right things on this. They again, focus on kids, ultra-processed food was mentioned 40 times in the report as the root cause for the very first time. And this can't be undone. You had the White House saying that the root cause of our food-caused chronic disease crisis is the food industry. That's in a report that won't change. But a lot has changed since then. They came out with a second report where the word ultra-processed food showed up only once. What do you think happened? I know what happened because I've worked in that setting. The industry quietly went to the White House, the top political staff in the White House, and they said, you need to change the report when you come out with the recommendations. And so, the first report, I think, was written by MAHA, RFK Jr. and his lieutenants. The second report was written by the White House staff with the lobbyists of the food industry. That's what happened. What you end up with is their version of it. So, what does the industry want? We have a good picture from the first Trump administration. They did the last dietary guidelines and the Secretary of Agriculture, then Sonny Perdue, his mantra to his staff, people reported to me, was the industries- you know, keep the status quo. That is what the industry wants is they really don't want the dietary guidelines to change because then they have to reformulate their products. And they're used to living with what we have and they're just comfortable with that. For a big company to reformulate a product is a multi-year effort and cost billions of dollars and it's just not what they want to have to do. Particularly if it's going to change from administration to administration. And that is not a world they want to live in. From the first and second MAHA report where they wanted to go back to the status quo away from all the radical ideas. It'll be interesting to see what happens with dietary guidelines because we've seen reports that RFK Jr. and his people want to make shifts in policies. Saying that they want to go back to the Pyramid somehow. There's a cartoon on TV, South Park, I thought it was produced to be funny. But they talked about what we need to do is we need to flip the Pyramid upside down and we need to go back to the old Pyramid and make saturated fat the sort of the core of the diet. I thought it meant to be a joke but apparently that's become a belief of some people in the MAHA movement. RFK. And so, they want to add saturated fat back to our diets. They want to get rid of plant oils from our diets. There is a lot of areas of nutrition where the science isn't settled. But that's one where it is, indeed. Again, you go back only 1950s, 1960s, you look today, heart disease, heart attacks, they're down 90%. Most of that had to do with the drugs and getting rid of smoking. But a substantial contribution was made by nutrition. Lowering saturated fat in our diets and replacing it with plant oils that they're now called seed oils. If they take that step and the dietary guidelines come out next month and say that saturated fat is now good for us it is going to be just enormously disruptive. I don't think companies are going to change that much. They'll wait it out because they'll ask themselves the question, what's it going to be in two years? Because that's how long it takes them to get a product to market. Jerry, let me ask you this. You painted this picture where every once in a while, there'll be a glimmer of hope. Along comes MAHA. They're critical of the food industry and say that the diet's making us sick and therefore we should focus on different things like ultra-processed foods. In report number one, it's mentioned 40 times. Report number two comes out and it's mentioned only once for the political reasons you said. Are there any signs that lead you to be hopeful that this sort of history doesn't just keep repeating itself? Where people have good ideas, there's science that suggests you go down one road, but the food industry says, no, we're going to go down another and government obeys. Are there any signs out there that lead you to be more hopeful for the future? There are signs to be hopeful for the future. And number one, we talked earlier, is the success we had regulating tobacco. And I know you've done an outstanding job over the years drawing the parallels between what happened in tobacco and food. And there are good reasons to do that. Not the least of which is that in the 1980s, the tobacco companies bought all the big food companies and imparted on them a lot of their lessons, expertise, and playbook about how to do these things. And so that there is a tight link there. And we did succeed. We took youth smoking, which was around a 30 percent, a third, when we began work on this in the early 1990s when I was at FDA. And today it's less than 2%. It's one area with the United States leads the world in terms of what we've achieved in public health. And there's a great benefit that's going to come to that over the next generation as all of those deaths are prevented that we're not quite seeing yet. But we will. And that's regardless of what happens with vaping, which is a whole different story about nicotine. But this idea success and tobacco. The food industry has a tobacco playbook about how to addict so many people and make so much money and use their political power. We have a playbook of how to win the public health fight. So, tell us about that. What you're saying is music to my ears and I'm a big believer in exactly what you're saying. So, what is it? What does that playbook look like and what did we learn from the tobacco experience that you think could apply into the food area? There are a couple of areas. One is going to be leadership and we'll have to come back to that. Because the reason we succeeded in tobacco was the good fortune of having a David Kessler at FDA and Al Gore as Vice President. Nothing was, became more important to them than winning this fight against a big tobacco. Al Gore because his sister died at a young age of smoking. And David Kessler became convinced that this was the most important thing for public health that he could do. And keep in mind, when he came to FDA, it was the furthest thing from his mind. So, one of it is getting these kinds of leaders. Did does RFK Jr. and Marty McCarey match up to Al Gore? And we'll see. But the early signs aren't that great. But we'll see. There's still plenty of time for them to do this and get it right. The other thing is having a good strategy and policy about how to do it. And here, with tobacco, it was a complete stretch, right? There was no where did the FDA get authority over tobacco? And indeed, we eventually needed the Congress to reaffirm that authority to have the success we did. As we talked earlier, there's no question FDA was created to make sure processed food and the additives and processed food don't make us sick. So, it is the core reason the agency exists is to make sure that if there's a thing called ultra-processed food, man-made food, that is fine, but we have to thrive when we eat it. We certainly can't be made sick when we eat it. Now, David Kessler, I mentioned, he's put forward a petition, a citizens' petition to FDA. Careful work by him, he put months of effort into this, and he wrote basically a detailed roadmap for RFK and his team to use if they want to regulate ultra-processed stuff food. And I think we've gotten some, initially good feedback from the MAHA RFK people that they're interested in this petition and may take action on it. So, the basic thrust of the Kessler petition from my understanding is that we need to reconsider what's considered Generally Recognized as Safe. And that these ultra-processed foods may not be considered safe any longer because they produce all this disease down the road. And if MAHA responds positively initially to the concept, that's great. And maybe that'll have legs, and something will actually happen. But is there any reason to believe the industry won't just come in and quash this like they have other things? This idea of starting with a petition in the agency, beginning an investigation and using its authority is the blueprint we used with tobacco. There was a petition we responded, we said, gee, you raised some good points. There are other things we put forward. And so, what we hope to see here with the Kessler petition is that the FDA would put out what's called an advanced notice of a proposed rulemaking with the petition. This moves it from just being a petition to something the agency is saying, we're taking this seriously. We're putting it on the record ourselves and we want industry and others now to start weighing in. Now here's the thing, you have this category of ultra-processed food that because of the North Star I talked about before, because the industry, the marketplace has failed and gives them no incentive to make sure that we thrive, that keeps us from getting sick. They've just forgotten about that and put in place profits instead. The question is how do you get at ultra-processed food? What's the way to do it? How do you start holding the industry accountable? Now what RFK and the MAHA people started with was synthetic color additives. That wasn't what I would pick but, it wasn't a terrible choice. Because if you talk to Carlos Monteiro who coined the phrase ultra-processed food, and you ask him, what is an ultra-processed food, many people say it's this industrial creation. You can't find the ingredients in your kitchen. He agrees with all that, but he thinks the thing that really sets ultra-processed food, the harmful food, is the cosmetics that make them edible when they otherwise won't I've seen inside the plants where they make the old fashioned minimally processed food versus today's ultra-processed. In the minimally processed plants, I recognize the ingredients as food. In today's plants, you don't recognize anything. There are powders, there's sludges, there's nothing that you would really recognize as food going into it. And to make that edible, they use the cosmetics and colors as a key piece of that. But here's the problem. It doesn't matter if the color is synthetic or natural. And a fruit loop made with natural colors is just as bad for you as one made with synthetics. And indeed, it's been alarming that the agency has fast tracked these natural colors and as replacements because, cyanide is natural. We don't want to use that. And the whole approach has been off and it like how is this going to get us there? How is this focus on color additives going to get us there. And it won't. Yeah, I agree. I agree with your interpretation of that. But the thing with Kessler you got part of it right but the main thing he did is say you don't have to really define ultra-processed food, which is another industry ploy to delay action. Let's focus on the thing that's making us sick today. And that's the refined carbohydrates. The refined grains in food. That's what's most closely linked to the obesity, the diabetes we're seeing today. Now in the 1980s, the FDA granted, let's set aside sugar and white flour, for example, but they approved a whole slew of additives that the companies came forward with to see what we can add to the white flour and sugar to make it shelf stable, to meet all the taste, cost, and convenience considerations we have. And profit-making considerations we have. Back then, heart disease was the driving health problem. And so, it was easy to overlook why you didn't think that the these additives were really harmful. That then you could conclude whether Generally Recognized as Safe, which is what the agency did back then. What Kessler is saying is that what he's laid out in his petition is self-executing. It's not something that the agency grants that this is GRAS or not GRAS. They were just saying things that have historical safe use that scientists generally recognize it as safe. It's not something the agency decides. It's the universe of all of us scientists generally accept. And it's true in the '80s when we didn't face the obesity and diabetes epidemic, people didn't really focus on the refined carbohydrates. But if you look at today's food environment. And I hope you agree with this, that what is the leading driver in the food environment about what is it about ultra-processed food that's making us so sick? It's these refined grains and the way they're used in our food. And so, if the agency takes up the Kessler petition and starts acting on it, they don't have to change the designation. Maybe at some point they have to say some of these additives are no longer GRAS. But what Kessler's saying is by default, they're no longer GRAS because if you ask the scientists today, can we have this level of refined grains? And they'd say, no, that's just not Generally Recognized as Safe. So, he's pointing out that status, they no longer hold that status. And if the agency would recognize that publicly and the burden shifts where Wiley really always meant it to be, on the industry to prove that there are foods or things that we would thrive on, but that wouldn't make us sick. And so that's the key point that you go back to when you said, and you're exactly right that if you let the industry use their political power to just ignore health altogether and substitute profits, then you're right. Their sort of fiduciary responsibility is just to maximize profits and they can ignore health. If you say you can maximize profits, of course you're a capitalist business, but one of the tests you have to clear is you have to prove to us that people can thrive when they eat that. Thrive as the standard, might require some congressional amplification because it's not in the statute. But what is in the statute is the food can't make you sick. If scientists would generally recognize, would say, if you eat this diet as they intend, if you eat this snack food, there's these ready to heat meals as they intend, you're going to get diabetes and obesity. If scientists generally believe that, then you can't sell that. That's just against the law and the agency needs them to enforce the law. Bio:   Jerold Mande is CEO of Nourish Science; Adjunct Professor of Nutrition, Harvard T.H. Chan School of Public Health; and a Non-Resident Senior Fellow, Tisch College of Civic Life, Tufts University. Professor Mande has a wealth of expertise and experience in national public health and food policy. He served in senior policymaking positions for three presidents at USDA, FDA, and OSHA helping lead landmark public health initiatives. In 2009, he was appointed by President Obama as USDA Deputy Under Secretary for Food Safety. In 2011, he moved to USDA's Food, Nutrition, and Consumer Services, where he spent six years working to improve the health outcomes of the nation's $100 billion investment in 15 nutrition programs. During President Clinton's administration, Mr. Mande was Senior Advisor to the FDA commissioner where he helped shape national policy on nutrition, food safety, and tobacco. He also served on the White House staff as a health policy advisor and was Deputy Assistant Secretary for Occupational Health at the Department of Labor. During the George H.W. Bush administration he led the graphic design of the iconic Nutrition Facts label at FDA, for which he received the Presidential Design Award. Mr. Mande began his career as a legislative assistant for Al Gore in the U.S. House and Senate, managing Gore's health and environment agenda, and helping Gore write the nation's organ donation and transplantation laws.  Mande earned a Master of Public Health from the University of North Carolina at Chapel Hill and a Bachelor of Science in nutritional science from the University of Connecticut. Prior to his current academic appointments, he served on the faculty at the Tufts, Friedman School of Nutrition Science and Policy, and Yale School of Medicine.

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USDA’s Meat and Poultry Hotline is 1-888-MPHotline. Food safety questions can also be e-mailed to mphotline@usda.gov. USDA Radio NewslineSee omnystudio.com/listener for privacy information.

Send us a textIt's the annual event you've been waiting for!  It's time for Danielle and Jon to read reddit stories about goats (and thanksgiving) and judge the poster on if they are in the wrong or not.  Happy Thanksgiving everyone!We are launching our new merch this black friday 11/29!  Don't miss out on this awesome t-shirt collectionwe have NEW merch!

With global markets shifting and input costs squeezing producers, policy decisions at the top levels of U.S. agriculture are being closely watched across North America. In this interview with RealAgriculture, USDA deputy secretary Stephen Vaden outlined the administration’s stance on trade, affordability, and the potential for a “Golden Age” in agriculture. Vaden pushed back on... Read More

Thanks for tuning in to this Tuesday edition of RealAgRadio! On today’s show, host Shaun Haney is joined by: Michael Harvey of CAFTA on the future of North American trade; Stephen Vaden, Deputy Secretary of USDA, on U.S. trade deals and the affordability crisis; and, Jay Whetter of Canola Digest on where canola goes from... Read More

Thanks for tuning in to this Tuesday edition of RealAgRadio! On today’s show, host Shaun Haney is joined by: Michael Harvey of CAFTA on the future of North American trade; Stephen Vaden, Deputy Secretary of USDA, on U.S. trade deals and the affordability crisis; and, Jay Whetter of Canola Digest on where canola goes from... Read More

Joe's Premium Subscription: www.standardgrain.comGrain Markets and Other Stuff Links—Apple PodcastsSpotifyTikTokYouTubeFutures and options trading involves risk of loss and is not suitable for everyone.

Jewish law prohibits bread (Pas Akum), cooked foods (Bishul Akum), and milk/cheese (Chalav/Gevinat Akum) prepared by non-Jews, not because the food itself is biblically non-kosher, but because the Sages wanted to limit close social bonding and the risk of intermarriage in ancient times, while also guarding against real kashrut problems (non-kosher animals, fats, etc.). For bread, a Jew must bake it or at least turn on the oven (Pas Yisrael); for cooked foods, the dish must be something not eaten raw and fit for a royal table, and a Jew must participate in the cooking; for milk, a Jew must supervise the milking (Chalav Yisrael) and cheese-making.In modern America (2025), government regulation and abundant kosher options have dramatically relaxed many of these rules according to the vast majority of poskim: supermarket bread (Wonder Bread, H-E-B, etc.) is permitted when no Jewish bakery is nearby, regular USDA milk and butter are kosher (Chalav Stam per Rav Moshe Feinstein), and most factory-canned, sealed, or restaurant foods where a Jew turned on the flame are fine, provided that everything cooked was Kosher. The gold standard for the meticulous remains Pas Yisrael, Bishul Yisrael, and Chalav Yisrael whenever reasonably available, but for everyday life in the U.S., plain coffee, beer, and grocery-store staples are reliably kosher.The episode concludes with a transition to the Ask Away #24._____________The Everyday Judaism Podcast is dedicated to learning, understanding and appreciating the greatness of Jewish heritage and the Torah through the simplified, concise study of Halacha, Jewish Law, thereby enhancing our understanding of how Hashem wants us to live our daily lives in a Jewish way._____________This Podcast Series is Generously Underwritten by Marshall & Doreen LernerDownload & Print the Everyday Judaism Halacha Notes:https://drive.google.com/drive/folders/1RL-PideM42B_LFn6pbrk8MMU5-zqlLG5This episode (Ep. #70) of the Everyday Judaism Podcast by Rabbi Aryeh Wolbe of TORCH is dedicated to my dearest friends, Marshall & Doreen Lerner! May Hashem bless you and always lovingly accept your prayer for good health, success and true happiness!!!Recorded in the TORCH Centre - Levin Family Studio (B) to a live audience on November 23, 2025, in Houston, Texas.Released as Podcast on November 24, 2025_____________DONATE to TORCH: Please consider supporting the podcasts by making a donation to help fund our Jewish outreach and educational efforts at https://www.torchweb.org/support.php. Thank you!_____________SUBSCRIBE and LISTEN to other podcasts by Rabbi Aryeh Wolbe: NEW!! Prayer Podcast: https://prayerpodcast.transistor.fm/episodesJewish Inspiration Podcast: https://inspiration.transistor.fm/episodesParsha Review Podcast: https://parsha.transistor.fm/episodesLiving Jewishly Podcast: https://jewishly.transistor.fm/episodesThinking Talmudist Podcast: https://talmud.transistor.fm/episodesUnboxing Judaism Podcast: https://unboxing.transistor.fm/episodesRabbi Aryeh Wolbe Podcast Collection: https://collection.transistor.fm/episodesFor a full listing of podcasts available by TORCH at https://www.TORCHpodcasts.com_____________EMAIL your questions, comments, and feedback: awolbe@torchweb.org_____________Please visit www.torchweb.org to see a full listing of our outreach and educational resources available in the Greater Houston area!_____________#Halacha, #Jewishlaw, #Idolator, #assimilation, #intermarriage, #kosher, #cooking, #baking, #milking ★ Support this podcast ★

The USDA's NASS offered its final crop production report of the year. Cattle placements in October were the lowest since 1996. Outbreaks of bird flu increased dramatically over the past 30 days. Congressional leaders called on USDA to immediately restore full avian influenza surveillance in light of recent outbreaks. 

AABP Executive Director Dr. Fred Gingrich is joined by the program committee for the 9th AABP Recent Graduate Conference which will be held in Lincoln, Neb., February 13-14, 2026. The program committee consists of Dr. Tracy Potter, program chair and AABP emerging leader; Dr. Monka Dziuba, dairy; Dr. Riley Jones, cow-calf; and Dr. Tanya Weber, feedlot. This conference is open to AABP members who have graduated between 2018-2025 and offers 15.5 hours of continuing education targeted to recent graduates. This conference also provides an opportunity to network and collaborate with colleagues and peers at the same stage of their veterinary career, fostering lifelong relationships and support to sustain and retain rural bovine practitioners. The committee walks through the sessions, beginning with the theme of “Setting the Tone” with Dr. Tera Barnhardt. Barnhardt will present  “Chubacabras in the Corrals”, a talk that will shine a light on the hidden monsters that creep into our early years as a veterinarian including imposter syndrome and self-doubt. Sessions throughout Friday and Saturday include clinical skills, mixed animal, dairy and beef. Preconference seminars are also offered on Thursday February 12 and include an additional eight hours of continuing education. This includes a dystocia and fetotomy seminar with wetlab, hoof trimming seminar and wetlab, and professional and personal finance seminar. Dr. Dave Smith is also offering a seminar that provides training on using data and is a two-day seminar funded by a USDA grant. Attendees at this seminar will be refunded $325 if they attend both days of the seminar and they will then only pay $50 to attend the two-day seminar and the Saturday sessions at the conference. Find all information about the conference at this link. Register for the conference here and book your hotel room on this page. The full schedule is on this page and preconference seminar descriptions can be found here. Would you like to connect with other attendees to share rides from the airport or share hotel rooms? If yes, enter your information and connect with others on this page. 

Jewish law prohibits bread (Pas Akum), cooked foods (Bishul Akum), and milk/cheese (Chalav/Gevinat Akum) prepared by non-Jews, not because the food itself is biblically non-kosher, but because the Sages wanted to limit close social bonding and the risk of intermarriage in ancient times, while also guarding against real kashrut problems (non-kosher animals, fats, etc.). For bread, a Jew must bake it or at least turn on the oven (Pas Yisrael); for cooked foods, the dish must be something not eaten raw and fit for a royal table, and a Jew must participate in the cooking; for milk, a Jew must supervise the milking (Chalav Yisrael) and cheese-making.In modern America (2025), government regulation and abundant kosher options have dramatically relaxed many of these rules according to the vast majority of poskim: supermarket bread (Wonder Bread, H-E-B, etc.) is permitted when no Jewish bakery is nearby, regular USDA milk and butter are kosher (Chalav Stam per Rav Moshe Feinstein), and most factory-canned, sealed, or restaurant foods where a Jew turned on the flame are fine. The gold standard for the meticulous remains Pas Yisrael, Bishul Yisrael, and Chalav Yisrael whenever reasonably available, but for everyday life in the U.S., plain coffee, beer, and grocery-store staples are reliably kosher.The episode concludes with a transition to the Ask Away #24._____________The Everyday Judaism Podcast is dedicated to learning, understanding and appreciating the greatness of Jewish heritage and the Torah through the simplified, concise study of Halacha, Jewish Law, thereby enhancing our understanding of how Hashem wants us to live our daily lives in a Jewish way._____________This Podcast Series is Generously Underwritten by Marshall & Doreen LernerDownload & Print the Everyday Judaism Halacha Notes:https://drive.google.com/drive/folders/1RL-PideM42B_LFn6pbrk8MMU5-zqlLG5This episode (Ep. #70) of the Everyday Judaism Podcast by Rabbi Aryeh Wolbe of TORCH is dedicated to my dearest friends, Marshall & Doreen Lerner! May Hashem bless you and always lovingly accept your prayer for good health, success and true happiness!!!Recorded in the TORCH Centre - Levin Family Studio (B) to a live audience on November 23, 2025, in Houston, Texas.Released as Podcast on November 24, 2025_____________DONATE to TORCH: Please consider supporting the podcasts by making a donation to help fund our Jewish outreach and educational efforts at https://www.torchweb.org/support.php. Thank you!_____________SUBSCRIBE and LISTEN to other podcasts by Rabbi Aryeh Wolbe: NEW!! Prayer Podcast: https://prayerpodcast.transistor.fm/episodesJewish Inspiration Podcast: https://inspiration.transistor.fm/episodesParsha Review Podcast: https://parsha.transistor.fm/episodesLiving Jewishly Podcast: https://jewishly.transistor.fm/episodesThinking Talmudist Podcast: https://talmud.transistor.fm/episodesUnboxing Judaism Podcast: https://unboxing.transistor.fm/episodesRabbi Aryeh Wolbe Podcast Collection: https://collection.transistor.fm/episodesFor a full listing of podcasts available by TORCH at https://www.TORCHpodcasts.com_____________EMAIL your questions, comments, and feedback: awolbe@torchweb.org_____________Please visit www.torchweb.org to see a full listing of our outreach and educational resources available in the Greater Houston area!_____________#Halacha, #Jewishlaw, #Idolator, #assimilation, #intermarriage, #kosher, #cooking, #baking, #milking ★ Support this podcast ★

Last week, Canadian agri-food exporters descended on Washington, D.C., with a key message for their counterparts in the U.S. and American lawmakers: integrated supply chains make food more affordable for everyone. Michael Harvey, executive director of the Canadian Agri-Food Trade Alliance, and 11 of 12 CAFTA members met with U.S. lawmakers, USDA officials, and agri-food... Read More

For many people gathering around the table this holiday season, things feel a little different. Maybe it's the cost of ingredients that's on your mind, or cuts to USDA funding that have left your food bank running low. Or maybe it's the simple reality of a packed schedule — there's a lot to cook, and so little time. In this special from Marketplace, we bring listeners a collection of stories on the business and economics of food. Our reporters take us across the country to farms, home kitchens, and restaurants. We visit a refugee farmer in Houston, a chocolate-making lab in California, and stop for a bite at an award-winning restaurant in Portland. 

For many people gathering around the table this holiday season, things feel a little different. Maybe it's the cost of ingredients that's on your mind, or cuts to USDA funding that have left your food bank running low. Or maybe it's the simple reality of a packed schedule — there's a lot to cook, and so little time. In this special from Marketplace, we bring listeners a collection of stories on the business and economics of food. Our reporters take us across the country to farms, home kitchens, and restaurants. We visit a refugee farmer in Houston, a chocolate-making lab in California, and stop for a bite at an award-winning restaurant in Portland. 

TJX, the parent company of off-price retailers T.J. Maxx, Marshalls, and HomeGoods, posted excellent earnings this week, while Target cut its sales forecast. “Off-price” means TJX sells excess inventory at a discount, which may be more attractive to increasingly stressed shoppers hunting for deals. Also in this episode: Political affiliation colors consumer sentiment, USDA cuts end a major revenue stream for small-scale farmers, and supply chains are unusually slow this holiday season.Every story has an economic angle. Want some in your inbox? Subscribe to our daily or weekly newsletter.Marketplace is more than a radio show. Check out our original reporting and financial literacy content at marketplace.org — and consider making an investment in our future.

Tim, Phil, & Raymond are joined by Joel Webbon & Cody Dennison to discuss Trump calling for death of Democrats for sedition and the White House walking back those statements, Democrats wanting the military to rise up against Trump, USDA to dismantle the SNAP program, and a Democrat caught lying about Epstein.   Hosts:  Tim @Timcast (everywhere) Phil @PhilThatRemains (X) Raymond @raymondgstanley (X) Producer: Serge @SergeDotCom (everywhere) Guests: Joel Webbon @rightresponsem (X) Cody Dennison  @CAMELOT331  (YouTube) | @CAMELCASTOff (X) Joel Webbon is a Texas-based pastor, founder of Right Response Ministries, and senior pastor of Covenant Bible Church in Georgetown, where he promotes a conservative Reformed theology focused on biblical exposition and cultural engagement. Cody Dennison is an American professional stock car racing driver and YouTube personality known as Camelot331.

TJX, the parent company of off-price retailers T.J. Maxx, Marshalls, and HomeGoods, posted excellent earnings this week, while Target cut its sales forecast. “Off-price” means TJX sells excess inventory at a discount, which may be more attractive to increasingly stressed shoppers hunting for deals. Also in this episode: Political affiliation colors consumer sentiment, USDA cuts end a major revenue stream for small-scale farmers, and supply chains are unusually slow this holiday season.Every story has an economic angle. Want some in your inbox? Subscribe to our daily or weekly newsletter.Marketplace is more than a radio show. Check out our original reporting and financial literacy content at marketplace.org — and consider making an investment in our future.